FAQs

Q What does my site subscription mean for me? 
A Your site subscription gives you access to all the secure documents linked to the site’s pages. These documents are sources of technical codes and specifications to help optimize your online transaction processing.

 

Q I registered for the site but did not receive an email response. How do I get help? 
A If you are having trouble with registration, call us at 800-813-5604 for assistance.

 

Q I tried to log in but got the “Login Failed” error message. How do I log in now? 
A Verify that the user ID you typed in was the company email address that you registered with and that you typed it correctly. If you forgot your password or are locked out after too many login attempts, click the “Password locked” or “Forgot password” link in the Login window. If you received an email with your user ID and password, do not copy and paste the password from the email when logging in. Type it exactly as it appears.

 

Q Can you provide some guidelines regarding data input when trying to find a consumer credit file?
A To help ensure greater success in receiving a credit file, it is recommended that you always supply as much consumer-identifying data as possible:

Q I am receiving an error code. What does this error code mean, and how can I resolve the issue?
A Visit the Error Code Troubleshooting Guide page to obtain a list of common error codes and troubleshooting tips to help you resolve the issue.

 

Q Why is the score on the TruVision Credit Report I received different from the score on the report the consumer received from another source?
A Common causes of differing scores are:

Q Why is this consumer's file suppressed?
A The consumer must contact TransUnion's Consumer Relations department to obtain information concerning his or her file suppression at 800-916-8800

If all information has been input correctly, Contact Us for assistance.

 

Q How can I find out what the latest technical updates and changes are?
A This website is the best resource for technical updates: click the Document Repository tab to find links to General Announcements, the TU4.0, TU4.1, and TUXML user guides, the TUXML Code Examples, and more.

 

Q Does TransUnion have a dedicated Test Facility? If so, how do I access it?
A Go to the Testing page to obtain information related to TransUnion's dedicated test facility.

 

Q Do you have general test subjects I can use for my testing purposes?
A Go to the Test Subjects page of this website to download test subjects to meet your needs.

 

Q Are there Security Freeze test subjects for this state?
A Go to the Security Freeze page of this website to download test subjects for your security freeze testing.

 

Q How do I know that I have a test subscriber code?
A If the market area is 06 and the submarket area is 22 or TR, your subscriber code will always access the test system.

 

Q Can I test in production?
A Due to legal requirements, testing in production is prohibited.

 

Q How do I connect to TransUnion?
A TransUnion offers different connectivity options to transmit data between your site and TransUnion. Connectivity options include:

TransUnion does not support dial-up access.

 

Q Does TransUnion support XML?
A TransUnion does support a version of XML, TUXML. See the TUXML User Guide or contact us for more details about this option.

 

Q What is TransUnion's scheduled maintenance window?
A The TransUnion credit production and test systems reserve each Sunday from 2 a.m. through 5:30 a.m. Central Time for scheduled maintenance.

 

Q How would I find out whether TransUnion is experiencing system issues?
A If a major outage occurs, we will post a notice under the heading Important Message on this website’s home page. We will continue to post updates until the outage is corrected. For more information you can call one of these support numbers:

Q Who do I contact for questions about my TransUnion bill or invoice?
A Contact Billing Support at 866-810-2636 for billing/invoice issues. Your TransUnion account manager can assist you with pricing for services/products.

 

Overview of the Risk-based Pricing Rule
The Risk-based Pricing Rule, issued by the Federal Reserve Board and the Federal Trade Commission, requires any company that uses a credit report or score in connection with a credit decision – including companies such as banks, mortgage bankers, auto lenders and retailers – to send notice to a consumer when, based on a credit report or score, the company grants credit on “material terms that are materially less favorable than the most favorable terms available to a substantial proportion of consumers.” It essentially requires lenders to notify consumers when they charge consumers more for credit based on the consumers’ credit reports. The requirement was motivated by a concern that, because consumers are entitled to “adverse action” notices under the FCRA only when they are denied credit (or do not accept a counteroffer for credit), consumers are not adequately apprised of the effect of credit reports on the pricing of credit.

Q What solutions has TransUnion made available for the Risk-Based Pricing Rules?
A TransUnion has made the following two solutions available for lenders. These options fully support the model form exception notices in the Regulation.

Q How are the solutions delivered?
A The score distribution graphs and score interval tables are posted on the TransUnion Client Technical Services website and are also available from your TransUnion account manager as support material. The Score Percentile Ranking attribute is delivered as an add-on to the online credit report. See also the TransUnion user guides for detailed information about Score Percentile Ranking.

 

Q What scores are covered by the solutions?
A The score distribution graphs and score interval tables are available on all active, non-custom score models.

See the scores listed here for the current score models associated with the Score Percentile Ranking attribute.

 

Q What if my score is not covered by the solutions?
A Contact your TransUnion account representative to discuss a custom solution development effort.

 

Q How often will the score distribution graphs and score interval tables be updated?
A TransUnion will update as necessary when there are material changes but no less than annually. Changes will be communicated through TransUnion Technical General Announcements.

 

Q What is the format of the score interval tables?
A The table is in 1% intervals and includes the score range for each percentile.

 

Q How can I obtain the technical specifications on the Score Percentile solution?
A See the TransUnion Technical General Announcement #88, published July 1, 2010 for technical specifications. See also the TransUnion user guides.

 

Q Are test subjects available for the Score Percentile solution?
A Test subjects to test the Score Percentile Ranking service are available in General Announcement #90, and any test subject will return the response.

For any additional questions, contact Client Technical Support.